5) The rent calculation may not be unilateral determined by the bank, nor variable; it must be based on market rates.

6) Concurrently with paying rent, the customer has the option to purchase ownership shares in the house from the bank. The price of the shares should be based on the market value of the house at the time of the share purchase.

7) If the customer should default on the rent, the bank and the customer respectively recover their share of equity in the house.

8) Rent payable diminishes as shares are transferred from bank to customer.

9) When the customer owns all of the shares the ownership of the house is fully transferred and the bank has no further claim to ownership.